Credit union · NCUA insured
Moonlight FCU
A $53.4M credit union headquartered in Worthington, PA, with 3,883 members and 1 branch in Pennsylvania. Best rates: CDs 4.06% APY.
Moonlight FCU Carrot Score
86
Carrot Score
Higher than 74% of U.S. banks and credit unions
#10 of 100 in Pittsburgh, PA metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Moonlight FCU
Organized by volunteers in 1947, Moonlight Federal Credit Union is a member-owned financial cooperative based in Worthington, Pennsylvania.
The credit union serves as Armstrong County's community credit union.
- Headquarters
- 101 Deer Park Rd, Worthington, PA 16262
- NCUA charter
- 24978
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Membership is open to businesses and other legal entities in Armstrong County.
- Membership is open to persons who live in Armstrong County.
- Membership is open to persons who attend school in Armstrong County.
- Membership is open to persons who regularly work in Armstrong County.
- Membership is open to persons who worship in Armstrong County.
Family and household
- Membership is open to persons who are members of the immediate family of a member of the credit union.
Cost to join
- A minimum share deposit of $1.00 is required at the time the account is opened.
Branches
1 branch in Pennsylvania
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Pennsylvania
1 branch
- Moonlight Credit UnionMain office101 Deer Park Rd, Worthington, PA 16262Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
Well capitalizedas reported to the NCUA
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 17.94% | 14.31% | 19.38% or more |
| Troubled loans60+ days late | 0.06% | 0.70% | 0.18% or less |
| ProfitabilityReturn on assets | 1.80% | 0.65% | 1.19% or more |
| LendingLoans per $100 deposited | $87 | $59 | — |
- CapitalNet worth ratio17.94%Peers’ middle 14.31% · Top 25% 19.38%+
- Troubled loans60+ days late0.06%Peers’ middle 0.70% · Top 25% ≤0.18%
- ProfitabilityReturn on assets1.80%Peers’ middle 0.65% · Top 25% 1.19%+
- LendingLoans per $100 deposited$87Peers’ middle $59
Compared with the 2,478 credit unions with under $100 million in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of Moonlight FCU are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.